Understand what’s covered and what’s not

Before you leave on your winter sports holiday, make sure you understand when you are and arenotcovered. As always, the best way is to read the Product Disclosure Statement for full details.

For example, skiers and snowboarders will not be covered if they are backcountry/off-piste, racing or participating in a professional capacity. Snowmobilers will not be covered for personal liability as a snowmobile is considered to be a mechanically propelled vehicle.

Benefits included in the Winter Sports Pack

Winter Sports

General Exclusion for participation in Winter Sports is removed.

Own Winter Sport Equipment

Cover for when Your Winter Sports Equipment is lost, stolen or damaged.

Winter Sport Equipment Hire

Cover for the cost of hiring alternative Winter Sports Equipment when Your Winter Sports Equipment is lost, stolen or damaged or is delayed by Your Public Transportation by more than 24 hours.

Unused Winter Sports Costs

Cover in the Event You suffer an Accidental Injury or Sickness and a Doctor certifies that you are unable to use the unused pre-booked and pre-paid ski passes, ski hire, tuition fees or lift passes we will reimburse You for the non-refundable amount.

Piste Closure

Cover for the cost of transport and additional ski passes at the nearest alternative resort when all the lift systems are closed for more than 24 hours due to insufficient snow, severe weather or power failure at Your pre-booked ski holiday resort.

Weather and Avalanche Closure

Cover for Your reasonable Additional Trip Expenses due to You being delayed from leaving Your ski holiday resort for more than 12 hours due to severe weather or an avalanche that has been confirmed in writing by the relevant authority.